„ Thanked your majesty, the feudal official and Juan-Juan heard the matter of recruitment Sir Zhang said that thought that slightly had improper, at this time the Imperial Court wealth was abundant, so long as successively came across several disasters, cultivated/repaired palace house anything again, that possibly let the wealth or lacking in state treasury. “谢陛下,臣和鹃鹃听闻张大人说的募兵之事,觉得略有不妥,此时朝中钱财还算充裕,可只要连续遇到几次天灾,再修点宫殿房子什么的,那就可能让国库中的钱财或缺。 By that time, what money does your majesty use to maintain an army? Does is it possible that make each place military commissioner raise? The soldier who that raises whose is? ” 到那时,陛下用什么钱来养兵？难不成让各个地方的节度使自己来养？那养出来的兵是谁的？” Zhang Xiaobao concerning the big matter of country asking. 张小宝把关乎到国家的大事儿给问了出来。 Li Longji complied with say the recruitment, listened to a Zhang Xiaobao such saying, thought that was also reasonable, but if must come the conscription according to the beforehand method, common people that settled with great difficulty this/should ran all over the place everywhere, making Capital City not have the soldier available. 李隆基本来是答应了张说募兵,听张小宝这样一说,觉得也有道理,可如果还要按照以前的方法来征兵的话,好不容易安顿下来的百姓又该四处乱跑了,让京城无兵可用。 Opening said that this is also the alongside stand, sees Zhang Xiaobao to oppose own to propose, refuted: „Does a is it possible that official in charge of documents and archival materials have a better way?” 张说此是也在旁边站着呢,见张小宝反对自己的提议,反驳道:“难不成张主簿还有更好的办法？” „This nature, the good way has, but now is unusable, when I completed the things in other aspects said again, since can the recruitment, that first use for several years, several years later, wants to come not to need to continue to spend like this.” “这个自然,好的办法是有,不过现在还不能用,待我把其他方面的事情做好了再说,既然能募兵,那就先用几年,几年之后,想来就不必继续这样花钱。” Zhang Xiaobao and Wang Juan had discussed this matter, that is a soldier performing obligatory service, this needs the other auxiliary means that the present mansion soldier actually is also a soldier performing obligatory service, but with their time is also slightly different, the soldier performing obligatory service of mansion soldier is mainly trains few, or does not have. 张小宝和王鹃已经讨论过这个事情,那就是义务兵,这就需要其他的辅助办法,现在的府兵其实也是义务兵,但和他们那时的还略有不同,府兵的义务兵主要是训练少,或者说是没有。 Opening said that in the heart is uncomfortable, changed into alone / person saying that he does not believe that but Zhang Xiaobao said that he thinks that did not believe difficultly, after all Zhang Xiaobao and Wang Juan skill there swayed. 张说心中不舒服了,换成一个人如此说,他不会相信,但张小宝说出来,他就是想不相信都难,毕竟张小宝和王鹃的本事在那里摆着呢。 What he meant was that if Zhang Xiaobao and Wang Juan can first tell me, then makes me raise with the emperor, that was good, but Zhang Xiaobao unexpectedly said. 他的意思是,如果张小宝和王鹃能够先跟我说说,然后再让我跟皇上提起,那就好了,可张小宝竟然自己就说了出来。 Therefore, opened said that wants to make Zhang Xiaobao say the concrete matter, then he found fault, therefore is asking to Zhang Xiaobao: „Does not know that opens the official in charge of documents and archival materials whether to say the detailed matter now, if otherwise you made the mistake, to make your majesty worry.” 因此,张说就想让张小宝把具体的事情说一说,然后他在其中挑毛病,于是对着张小宝问道:“不知道张主簿能否现在就说说详细的事情,不然万一你做错了,岂不是让陛下担忧。” How Zhang Xiaobao possibly does not know that opened said how to think, Weiwei / slightly shook the head „cannot say, now said that easily by person with high aspirations use, when the time nature obvious result, as for your majesty worry, the feudal official and Juan-Juan has not as if let your majesty worry.” 张小宝又怎么可能不知道张说如何想的,微微摇摇头“不能说,现在说出去了,容易被有心人利用,等到时候自然可见分晓,至于陛下担心,臣和鹃鹃似乎还没有让陛下担心过。” The Zhang Xiaobao's words saying was clear, opened said that has not continued anything, but looked to Li Longji, Li Longji is been itchy by the heart that the Zhang Xiaobao's words saying, saw Zhang Xiaobao stop talking, no means that can only nod the head said: „That Xiaobao you may probably take the trouble.” 张小宝的话说的再明白不过了,张说没有继续说什么,而是看向李隆基,李隆基被张小宝的话说的心都痒痒了,见张小宝不说了,也没有什么办法,只能颔首道:“那小宝你可就要多费心了。” Although has not known that the matter can whether be feasible, but Li Longji also understands, Zhang Xiaobao and Wang Juan, even if has not done right, will not make the blunder, two people have the discretion. 虽然还不知道事情能否可行,但李隆基也明白,张小宝和王鹃就算是没有做对,也不会出大错,两个人还是有分寸的。 This matter was known by Consort martial Hui, similarly, her again made one stare at Zhang Xiaobao and Wang Juan, actually wanted to have a look at two people to make anything, Zhang and Wang Two Families prepared to hold the matter of money shop she to pass on, said that can make money, and said that Zhang Xiaobao and Wang Juan did not plan allowed the other person to participate, must gain the wealth family/home. 此事又被武惠妃知道了,同样的,她再一次让人盯上了张小宝和王鹃,想要看看两个人究竟要做什么,张王两家准备开钱庄的事情她已经让人传了出去,说是可以赚大钱,并说张小宝和王鹃不打算让其他的人参与进去,要把钱财都自己家赚去。 Half real , half fake that the matter passes on any case, making people be hard to detect that for a while the final situation, particularly that Zhang Xiaobao and Wang Juan turn over to the emperor manages directly, met to hinder their people first to kill people reporting to make in many will of the people again is uncomfortable. 反正事情传的半真半假,让人一时难以察觉出来最后的情形,尤其是那个张小宝和王鹃直接归皇上管,遇到了阻碍他们的人可以先杀人再上奏让很多的人心里变得不舒服起来。 ****** ****** Zhang Xiaobao and Wang Juan have not heard this rumor, because this rumor starts to pass on other place, it is estimated that now was also some Capital City that side people says, just said, waited to pass to here, perhaps was on the road that went back can meet. 张小宝和王鹃还没有听到这个传言,因为这个传言是在别的地方开始传的,估计现在也就是京城那边有人说,还是刚刚说起来,等传到这边,或许是回去的路上能遇到。 Two person following teams to return to Jinyang, should stay Li Longji that on two days must go back actually to play the drift to play to become addicted, non- stayed for five days, this embarks, goes downstream. 两个人跟着队伍又回到了晋阳,本该呆上两天就要回去的李隆基却玩漂流玩上瘾了,非多呆了五天,这才上船,顺流而下。 Zhang Xiaobao and Wang Juan also relax, so long as to return to Capital City, this journey ten thousand successfully finished, walks , on road, making the person who keeps be responsible for operating two place, must play the news that is also willing to play to pass on the emperor. 张小宝和王鹃也松了一口气,只要回到京城,这一次的出行就万是圆满结束,走在路上的时候,让留下来的人负责经营两个地方,一定要把皇上过来玩也愿意玩的消息传出去。 When comes, because must prepare person time to front, the speed of therefore marching forward is slow, in addition is the adverse current, goes back how does not need to prepare again, is with the current, the speed of fleet is fast. 来时因为要给前面做准备的人一个时间,所以行进的速度慢,加上又是逆流,回去的时候不需要再如何准备,又是顺水,船队的速度非常快。 At this time previously did not have nearby the market appear chain bridge also to have the market, basic, no matter what odd and even day met five not to meet five, obtained common people of advantage to set up the outdoor shop at the two sides rural fairs, was all right also to take a stroll. 此时先前还没有市场出现的铁索桥附近也有了市场,根本不管什么单双日还是逢五不逢五的,得到了好处的百姓自己就在两边的集市上摆起了摊子,没事还溜达过去。 If some people do not want to pay the bridge toll in other aspect buy things of bridge, sells the thing common people to deliver the cargo, they hand over is the yearly payments, is cheap, casual. 如果有人在桥的另外一面买东西又不想交过桥费,卖东西的百姓就把货物送过去,他们交的都是年费,非常便宜,随便过。 Sees this situation, Zhang Xiaobao and Wang Juan has to sigh that the wisdom of person is really infinite, because two people had discovered, has the merchant to bring the cargo is preparing to cross a bridge, does not give the cargo to pay the bridge toll, but found the local area to hand over common people of yearly payment. 看到这个情形,张小宝和王鹃不得不感叹人的智慧果然是无穷的,因为两个人已经发现,有商人带着货物准备过桥的时候,并不是给货物交过桥费,而是找到当地交了年费的百姓。 If bridge toll of a number of cargos is ten coin, then they only need to the common people three articles or are four coin, common people will help them transport/fortune opposite, they came to be cheaper again. 如果一批货物的过桥费是十文钱,那么他们只需要给百姓三文或者是四文钱,百姓就会帮着他们运到对面,他们自己再过来就便宜多了。 Li Longji also saw this situation, finds a Zhang Xiaobao and Zhang Xiaobao liangs person, asked with a smile: „Xiaobao, Juan-Juan, thought misjudged? didn't expect?” 李隆基也看到了这个情况,把张小宝个人找过来,笑着问道:“小宝,鹃鹃,是不是觉得失算了？没想到吧？” Zhang Xiaobao and Wang Juan at that time knows that meets appear such matter, is not the big matter, such opening fundamental sentence cannot stop up. 张小宝和王鹃当初就知道会出现这样的事情,又不是什么大事儿,这样的空子根本句堵不住。 „Your majesty, actually is just because has the market in the two sides of bridge, does this to make them do, so long as does not go to war mutually, cannot use the long time, part of common people of will no longer continue to sell the goods, but waits for some merchants to communicate here specially, they help transport the cargo.” “陛下,其实只不过是因为在桥的两边有市场而已,这样做就让他们做去,只要不相互打仗就可以,用不上多长的时间,就会有一部分的百姓不再继续卖货,而是专门在这边等着有商人来往,他们帮忙运送货物。” Zhang Xiaobao after Li Longji was mentioning meets the appear situation. 张小宝对着李隆基说起了以后会出现的情况。 „Oh？ such being the case, why can that also set up the market in the two sides of bridge?” Li Longji could not think through, asked to two people. “哦？既然如此,那为何还要在桥的两边建市场？”李隆基想不通了,对两个人又问道。 The Wang Juan stand explained „, because we must raise the single price that the cargo crosses a bridge immediately, and reduces the monthly allowance and package yearly payment, when the time comes will be the person of communication transportation also to enhance their gains from labor here specially, for example a cargo of car(riage), the present is ten two coin, then later will turn into 24 articles. 王鹃站出来解释“因为我们马上就要提高货物过桥的单次价,并且降低月费和包年费,到时候在这边专门做来往运输的人也会提高他们的劳动所得,比如一车的货物,现在是十二文钱,那么以后会变成二十四文。 Person who helps transport here specially impossible like before, a little advantage does merely, they will join up to form an organization, when the time comes bargained back and forth with the merchant, for example saved half of money. 专门在这里帮忙运输的人就不可能像以前那样,仅仅有一点好处就干,他们会联合起来形成一个组织,到时候与商人讨价还价,比如省下一半的钱。 If often communicates here merchant to consider that must manage the yearly payment or is package of monthly allowances, we can first be let the merchant only to hire by the month, does not permit hold/container Nian, because, many merchants is not necessarily able in that case the direct package, must make them know, can hold/container Nian also be a happiness, after waiting for them to pay package of monthly allowances, they will definitely transport much, this can benefit most boast. 如果是经常来往这里的商人就会考虑是不是要办年费或者是包月费,我们可以先是让商人只能包月,不允许包年,因为那样的话,很多商人未必能直接包,必须要让他们知道,能包年也是一种幸福,等着他们交了包月费之后,他们必然会多多运输,这样才能把利益最大话。 At the appointed time we are enhancing the package of monthly allowances slightly, and clears very cheap package yearly payment, they will think that package of years must not come easily, thus hold/container Nian, once in the package, did not transport the cargo is their loss, transports/fortunes if wants the means to look for the sale, and picks up the speed. ” 到时我们在略微提高一下包月费,并开通非常便宜的包年费,他们就会觉得包年得来不容易,从而包年,一旦包上了,不运货物就是他们的损失,运的话就要想办法找销路,并且加快速度。” Li Longji suddenly, said with a smile: „ We understood what is heard, then, the tax on place can receive much, communication is frequent, the economy is also more prosperous, so long as when the time comes place receiving the tax takes part to build roads, can make the transaction speed of merchants quicker. 李隆基恍然,笑着说道:“朕听明白了,如此一来,地方上的税就可以多收,来往的越是频繁,经济也就越繁荣,只要到时候地方把收上来的税拿出来一部分修路,就可以让商人们的交易速度更快。 Great idea, but didn't that you compensate? ” 好主意,可那你们不就是赔了？” Li Longji now is also quite intelligent, knows political economy that the relations of some economical above and politics, naturally, in his hand also one Zhang Xiaobao and Zhang Xiaobao liangs person summarizes. 李隆基现在也比较聪明了,知道一些经济上面和政治的关系,当然,他手中还有一本张小宝个人总结出来的政治经济学。 Originally merely to inner courtyard study, since had said after the matter that opens the money shop, must go to a itself/Ben by Li Longji, reaches an agreement for three years other to know, oneself studied on. 原来仅仅是给内院学的,自从说过了开钱庄的事情之后,就被李隆基要去了一本,说好三年之内不让其他人知道,就自己学上了。 Opened said that also alongside is listening, previously after knowing this matter, but also was very happy, Zhang Xiaobao and Wang Juan little made money, he was also vents anger. 张说也在旁边听着,先前知道这个事情之后,还很高兴,张小宝和王鹃少赚钱了,他也算是出了口气。 At this time listened to the emperor saying that Zhang Xiaobao and Wang Juan lost money, under the relation the front two people said again, said: „Your majesty, Zhang Xiaobao and Juan-Juan are impossible to lose money, person who gives others to bring the goods specially, the merchant who wants hold/container Nian, needs to hand over the yearly payment, will not have so many junctions people to hand over, how will two people compensate?” 此时听皇上说张小宝和王鹃赔钱,再联系下前面两个人说的,言道:“陛下,张小宝和鹃鹃根本不可能赔钱,无论是专门给别人带货的人,还是愿意包年的商人,都需要交出年费,原本不会有这么多交的人都交了,两个人又如何会赔？” „Sir Zhang said that not only so, an advantage can make us return to the funds fast, ahead of time the money of repairing the bridge receiving, then takes to make other business, otherwise does not have money to make the words that the business manages money shop borrows, that is must hand over the interest.” “张大人说的正是,不仅仅如此,还有一个好处是能让我们快速地回款,提前把修桥的钱给收回来,然后再拿出去做其他的买卖,不然没钱做买卖管钱庄借的话,那可是要交利息的。” Zhang Xiaobao affirmed said speech, said another advantage. 张小宝肯定了一下张说所说的话,又把另一个好处说了出来。 Wang Juan also then said: „Actually a method, but uses is not a little good.” 王鹃也接着说道:“其实还有一个方法,只不过用起来有点不好。” „Is what method?” Li Longji most is willing to listen to Zhang Xiaobao and Wang Juan said that such matter, feels able that political economy penetration. “是何方法？”李隆基最愿意听张小宝和王鹃说这样的事情,觉得可以把那本政治经济学贯通。 „ Method, chooses a section of need many ships transportation, I and Xiaobao coin, pastes the bulletin, said that must repair the bridge here, with the reputation guarantee of our Zhang and Wang Two Families, can sign the contract with the government authorities. “方法么,就是选一个需要很多船只运输的地段,我和小宝一文钱也不出,贴出告示来,说是要在这里修桥,用我们张王两家的名声担保,也可以跟官府签定合同。 Then told the merchant of communication, with is going to prepare to conduct business common people in the two sides market, so long as they are willing first to draw cash, then later yearly payment compared with others cheap half, if were not cheap, we did not take their advantages, gave back to them their money again. ” 接着告诉来往的商人,和将要准备在两边市场进行买卖的百姓,只要他们愿意先拿出钱来,那么以后的年费就会比别人便宜一半,如果不便宜,我们不占他们的便宜,把他们的钱再还给他们。” Wang Juan is explaining. 王鹃解释着。 „Isn't how good?” Opened said that thought this to have nothing, was very fair. “那怎么就不好了？”张说一想这没什么,很公平啊。 Zhang Xiaobao curls the lip „ naturally is not good, our is takes others' money not to give the advantage to use white/in vain, even if later gave them money to retreat, to their one deceit, otherwise did not have in the situation of money again, we lent, that how many interest? 张小宝撇撇嘴“当然不好了,我们这是拿着别人的钱不给利白用,哪怕以后把钱退给他们了,也是对他们的一种欺骗,不然再没有钱的情况下,我们借贷,那得有多少的利息？ Therefore, the royal government must add one to the law, that is this matter must write in the contract, does not want the appear loophole, if when the time comes used the merchant of others money not to meet the requirements, not only need give back to the person the qualification, but must put out very high interest, otherwise must according to achieving that in the contract wrote. ” 所以,朝廷要加一到法律,那就是这个事情必须要写在合同当中,不要出现漏洞,到时候如果用了别人钱的商人没有达到要求,不仅仅要把本钱还给人,还要拿出非常高的利息,要不然就必须按照合同上写的做到。” Opens mediates Li Longji and the others to be startled, the didn't expect matter can also do this, was really mysterious, if were not Zhang Xiaobao and Wang Juan says personally, but also really cannot think that really had such method. 张说和李隆基等人吃了一惊,没想到事情还可以这样做,实在是太神奇了,如果不是张小宝和王鹃亲口说出来的话,还真的想不到竟然有如此的手段。 The Yuwen Rong two eyes shine, looks that Zhang Xiaobao with Wang Juan as if looks two treasure are the same, even if two person front section times just his person wounding, he did not care about, even if his here person made the Zhang Xiaobao two people tidy up still to make him in Xincai County unable to hate. 宇文融两眼放光,看着张小宝和王鹃就好象看着两个宝贝一样,哪怕两个人前段时候刚刚把他的人给射伤了,他也不在乎,就算他这边的人在新蔡县让张小宝二人收拾了也让他怨恨不起来。 Who makes Von often/common Gong know obviously Zhang Xiaobao and Wang Juan reputation has not been convinced must with it opposing, that also has good. 谁让冯常功明明知道张小宝和王鹃的名声还不服气地要与之作对,那还有好。 Yuwen Rong looks at Zhang Xiaobao and Wang Juan, was saying to the emperor: „Your majesty, Great Tang has an official in charge of documents and archival materials and king County aid, perhaps in the regulation can also be more perfect, particularly in the economy together.” 宇文融看着张小宝和王鹃,对着皇上说道:“陛下,大唐有张主簿和王县丞,或许律法上还能完善许多,尤其是在经济一道。” „, Xiaobao, Juan-Juan, what deceitful trick but also there is? Said that makes Us listen again.” Li Longji approved Yuwen Rong's words, asked to Zhang Xiaobao and Wang Juan. “正是,小宝,鹃鹃,还有什么骗术没有？说一个让朕再听听。”李隆基认同了宇文融的话,对张小宝和王鹃又问道。 Zhang Xiaobao looked at Wang Juan one, Wang Juan returned to the look that you said. 张小宝看了王鹃一眼,王鹃回了一个你说的眼神。 Zhang Xiaobao then said: „ Naturally has, the deceitful trick also has, all kinds of all kinds, but ten thousand change does not leave, image space that but also cannot be regarded deceives, the after all deceived person loses not many, the matter that a method in Luzhou, Ning family composes the chamber of commerce that handles secretly. 张小宝这才说道:“自然有,骗术还有很多,各种各样的,但万变不离其中,像方才那个,还算不得是骗,毕竟被骗的人损失不多,还有一种方法就是在陆州的时候,宁家偷偷组成的商会所做的事情。 The matter that is impossible to make money with one works as by the head, then swindles the common people money, that is true deceiving, if changes , like previous that can like this, be to cultivate/repair a bridge in this place, then makes common people invest money to come, said that is each month can give the common people money. 用一个根本不可能赚钱的事情当由头,然后骗取百姓的钱,那是真正的骗,如果改一改,和先前的那个一样的话,可以这样,就是要在这个地方修一座桥,然后让百姓投钱进来,说是每个月都可以给百姓钱。 Then uses this sum of money to go to invest(ment), the money part of gaining to common people, part remained, but feared after invest(ment) failed, such not only also the common people money, the person of deceiving people also possibly ran away. ” 接着就用这笔钱去投资,赚来的钱一部分给百姓,一部分就留下来了,但就怕投资之后失败,那样不仅仅还不了百姓的钱,骗人的人还可能跑掉。” „Also? It is not deceives, can actually make money truly.” Yuwen Rong heard fascinated, asked. “还有吗？就是不算骗,却又能真正赚到钱的。”宇文融听得入迷了,又问。 „ Also, after that and other money shop opened, lending time has an examination, for example who wants to construct a workshop in some place, actually without money, lends to the money shop directly, the money shop is impossible to borrow immediately, because this project has no mortgage, even if taking advantage of still just taking advantage of a small part. “还有啊,那就等钱庄开起来之后,放贷的时候有一个审批,比如说谁想要在某个地方建个工坊,却没有钱,直接向钱庄借贷,钱庄不可能马上就借,因为这个项目没有什么抵押,就算是借也只不过是借一小部分。 The person who even to lend money first invests money to come to do, will then not emit too many wealth to him, the some money of but if with first putting in buy together the position good place, then loans with the project that this land for building and is going to conduct, can borrow more money, because this may make the money shop not lose. 哪怕想借钱的人先投入一点钱来做,那么也不会给他放出太多的钱财,但如果用先投入的这部分钱买下来一块位置不错的地,再用这块地皮和将要进行的项目来贷款的话,就能借到更多的钱,因为这可让钱庄不损失。 This is two mortgage, good that so long as operates, is win-win, this aspect also has the loopholes to exploit, now possibly also no one knows, in the future I and Juan-Juan will need standard, that will be bank in lending, will not have a nature to let out completely, but will be part of part of putting. 这算是有两个抵押,只要经营的好,算是双赢,这方面就又有空子能钻,现在可能还没有人知道,将来我和鹃鹃需要规范一下,那就是银行在放贷的时候,不是有次性全部放出去,而是一部分一部分的放。 The person who wants to lend prepares to handle anything, the money of only then the earlier period attaining really used, can continue money to him, will otherwise leave troublesome, this is very ordinary matter, later can be standard. ” 想要借贷的人准备做什么事情,只有把前期拿到的钱真的用了,才能继续把钱给他,不然就会出麻烦,这都是非常平常的事情,以后会规范。” Zhang Xiaobao to is hearing the earnest people to mention this matter, then also said other aspect many loopholes, hearing the people to shout secretly satisfy a craving, learned much, naturally, wants to take the words that used is not impossible again, because Zhang Xiaobao will be staring. 张小宝对着听得认真的众人说起了此事,接着又说了其他方面不少的漏洞,听得众人暗呼过瘾,学到了不少,当然,再想拿出来用的话就不可能了,因为张小宝会盯着。 Is waiting for quick to return to Capital City time, in Capital City also had surrounding several important place to open the money shop, this procedure approved unusual quickly, said accurately was no one limits. 等着快回到京城的时候,京城中还有周围几个重要的地方已经开起了钱庄,这个手续批的非常快,准确地说是没有人限制。 Make Li Longji very happy, he was counting on can occupy more domains through the economic warfare a bit faster, but Zhang Xiaobao and Wang Juan were not happy, because they discovered that few department, that is Banking Regulatory Commission, oneself here opened the money shop, other person can also study the money shop, the department of few supervision can have the matter. 让李隆基很高兴,他就指望着可以快点通过经济战来占更多的地盘,但张小宝和王鹃却一点也不高兴,因为他们发现少了个部门,那就是银监会,自己这边开了钱庄,别的人也能够学着开钱庄,少了监督的部门会出事儿的。 Therefore two people after having dinner, found wanted with Li Longji that Consort martial Hui sleeps, following the minister gate also called, was mentioning the matter of supervision to the people, no one money shop of inspector general is a big bomb, meets appear many things. 于是两个人在吃过了晚饭之后,找到了想要和武惠妃就寝的李隆基,又把跟随的大臣门也叫了过来,对着众人说起了监督的事情,没有人监督的钱庄是一个大炸弹,会出现很多的事情。 Especially when makes loans outward, this needs the standard be good, even if may find the easy way out as before, what can reduce part is part. 尤其是在对外放贷的时候,这个必须要规范起来才行,哪怕依旧有可能被钻漏洞,但能减少一部分的算是就是一部分。 Li Longji then worried, because must establish the words of bank supervision meeting, needs to this aspect proficient in talent to be able, otherwise others make anything not to know, must say proficient in person, naturally was Zhang Xiaobao, but Zhang Xiaobao also had invest(ment) of part of money in the money shop. 李隆基这下犯愁了,因为要成立银行监督会的话,需要对这方面非常精通的人才可以,不然别人做什么都不知道,要说精通的人,自然是张小宝了,但张小宝却也有一部分钱在钱庄中投资。 Was supervised oneself that to be absolutely incorrect by oneself, may let the words that others supervise, who can cajole into Zhang Xiaobao? 让自己监督自己那绝对不行的,可让别人监督的话,谁能绕得过张小宝？ Without the words of supervision, is unable to guarantee whether the money shop really handles affairs according to that interest rate, is unable to guarantee that the money shop obtains by illegal purchase the money of depositor with the other method, like being an official, cannot let place Official is the local area. 没有监督的话,无法保证钱庄是否真的按照那个利率来行事,也无法保证钱庄是不是用其他的手段来套取储户的钱,就像当官一样,不能让一个地方的官员都是当地的。 Naturally, Sanshui county is an exception, place that Zhang Xiaobao and Wang Juan are is also an exception. 当然,三水县除外,张小宝和王鹃所在的地方也除外。 What Li Longji and the others worry is others is also studying Zhang Xiaobao and Wang Juan opens the money shop like this, then with enhancing the interest of deposit competes, then takes to make other matter money, does not fear them to make money, fears them to lose money, once had/left the matter, then the prestige of money shop did not have, later who also dares to come to save money toward the money shop? 李隆基等人所担心的是别人也学着张小宝和王鹃这样开钱庄,然后用提高储蓄的利息来竞争,接着把钱拿出去做别的事情,不怕他们赚钱,就怕他们赔钱,一旦出事儿了,那么钱庄的信誉就没了,以后谁还敢往钱庄进来存钱？ „Xiaobao, you really cannot, when operates the money shop also to close that bank supervision and management meeting?” Li Longji to Zhang Xiaobao relaxed, thought very much the power on his use will not come to ask for the advantage to oneself. “小宝,你就真的不能在经营着钱庄的时候还关着那个银行监督管理会？”李隆基对张小宝还是很放心的,觉得他不会利用手上的权力来给自己讨好处。 Zhang Xiaobao shakes the head earnestly, returns said: „ It is not good, is not absolutely good, this is not my moral behavior issue, but must do this, does not do this cannot be standard, no one is able to guarantee oneself really can not move facing so many opportunities, must first cease this aspect from the root. 张小宝认真地摇摇头,回道:“不行,绝对不行,这不是我的人品的问题,而是必须要这样做,不这样做就不能规范,谁也无法保证自己真的就可以面对那么多的机会而不动心,先要从根源上杜绝这个方面。 For example in my family, usually draws cash and spends money, must have two talents to be able, is a cashier specially, but cannot spend money, spends money specially, but cannot be a cashier, both mutual supervision, if the large money, but also needs to conduct the further examination upwardly. 比如我家中,平时拿钱和用钱的时候,必须要有两个人才可以,一个是专门管钱的,但是不能用钱,一个是专门用钱的,但是不能管钱,两者相互监督,如果是大额的钱,还需要向上进行进一步的审批。 Ceases alone / person to be a cashier by this manages, that is seduces others to make mistakes, once made a mistake, that is the responsibility in my family, but should not is the responsibility of being a cashier person. ” 以此来杜绝一个人管钱又管账,那是诱惑别人犯错呢,一旦出错了,那就是我家中的责任,而不应该是管钱人的责任。” „What to do can that? Who can supervise? Also should be how standard?” Li Longji worried. “那可怎么办？谁能监督起来？又该如何规范？”李隆基愁上了。